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CSOB Slovakia

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CSOB Slovakia

Československá obchodná banka (or ČSOB) is a Slovakia-based bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s loan portfolio primarily comprises personal, mortgage, housing, investment, short-term, subsidized, refinanced investment, and real estate project financing loans, as well as overdrafts, trade finance, and credit guarantees. Until 2008, ČSOB Slovakia was a part of the Czech Republic-based ČSOB Group. In 2008, the new company Československá obchodná banka, a.s. (ČSOB Slovakia) was created under direct control of KBC Bank.

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summary

Unit

2007

2008

2009

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2011

2012

2013

2014

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2016

2017

income statement

Net Interest Income	EUR mil
Total Revenues	EUR mil
Operating Profit	EUR mil
Net Profit	EUR mil

186	175	195	203	208
221	251	273	272	289
78.7	83.2	112	105	117
40.1	78.2	63.1	66.2	74.6

balance sheet

Interbank Loans	EUR mil
Customer Loans	EUR mil
Debt Securities	EUR mil
Total Assets	EUR mil
Shareholders' Equity	EUR mil
Interbank Borrowing	EUR mil
Customer Deposits	EUR mil
Issued Debt Securities	EUR mil

20.4	40.3	42.2	54.9	47.9
3,986	4,132	4,249	4,581	5,464
1,515	1,484	1,736	1,860	1,897
5,795	6,028	6,285	6,799	7,766
650	649	660	678	704
906	678	309	516	798
3,583	4,076	4,250	4,523	5,074
246	305	750	811	823

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

6.11%	12.0%	9.64%	9.90%	10.8%
0.696%	1.32%	1.02%	1.01%	1.02%
2.47%	2.84%	2.62%	2.56%	2.37%
64.4%	66.8%	58.9%	61.6%	59.6%
3.23%	2.96%	3.16%	3.10%	2.86%
84.3%	69.7%	71.2%	74.5%	71.9%
20.4%	18.5%	18.4%	19.6%	18.9%
44.4%	41.0%	41.4%	42.1%	44.4%
11.2%	10.8%	10.5%	9.97%	9.06%
111%	101%	100.0%	101%	108%
68.8%	68.6%	67.6%	67.4%	70.4%
6.51%	4.39%	4.90%	4.55%	3.72%
67.8%	59.2%	52.8%	54.8%	64.7%

Download Data

income statement

Unit

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

income statement

Interest Income	EUR mil
Interest Cost	EUR mil
Net Interest Income	EUR mil
Net Fee Income	EUR mil
Other Income	EUR mil
Total Revenues	EUR mil
Staff Cost	EUR mil
Depreciation	EUR mil
Other Cost	EUR mil
Operating Cost	EUR mil
Operating Profit	EUR mil
Provisions	EUR mil
Extra and Other Cost	EUR mil
Pre-Tax Profit	EUR mil
Tax	EUR mil
Minorities	EUR mil
Net Profit	EUR mil

246	243	248	250	248
59.5	68.5	53.5	47.2	40.2
186	175	195	203	208
45.0	46.5	50.3	53.2	54.6
-10.3	29.5	28.5	16.0	26.7
221	251	273	272	289
63.2	68.7	66.6	70.5	76.6
11.2	11.5	10.9	10.8	11.5
68.0	87.4	83.5	86.1	84.3
142	168	161	167	172
78.7	83.2	112	105	117
14.7	17.3	26.9	17.1	18.3
0	0	0	0	0
64.0	65.9	85.5	87.5	98.7
5.03	16.9	22.4	21.3	24.1
0	0	0	0	0
40.1	78.2	63.1	66.2	74.6

growth rates

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	-1.04%	-6.17%	11.2%	4.18%	2.68%
...	8.04%	3.17%	8.25%	5.88%	2.53%
...	-12.7%	13.4%	8.98%	-0.507%	6.43%
...	-4.85%	17.7%	-3.96%	4.01%	2.98%
...	-24.1%	5.78%	35.1%	-6.98%	12.0%
...	-2.86%	3.03%	29.7%	2.32%	12.9%
...	-32.4%	95.0%	-19.4%	5.01%	12.6%

market share

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%
Market Share in Bank Cards	%
Market Share in Debit Cards	%
Market Share in Credit Cards	%
Market Share in Branches	%

	9.04%	12.0%	11.8%	11.1%	12.7%
...	5.95%	16.3%	11.5%	11.8%	12.3%
	12.7%	12.8%	12.4%	12.7%	13.2%
	5.61%	6.77%	6.82%	6.59%	6.61%
	5.93%	0.905%	6.97%	6.76%	6.82%
	3.83%	5.63%	5.81%	5.39%	5.21%
	13.2%	13.2%	14.4%	14.5%	14.3%

Download Data

balance sheet

Unit

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

balance sheet

Cash	EUR mil
Interbank Loans	EUR mil
Customer Loans	EUR mil
Retail Loans	EUR mil
Mortgage Loans	EUR mil
Consumer Loans	EUR mil
Corporate Loans	EUR mil
Debt Securities	EUR mil
Fixed Assets	EUR mil
Total Assets	EUR mil
Shareholders' Equity	EUR mil
Of Which Minority Interest	EUR mil
Liabilities	EUR mil
Interbank Borrowing	EUR mil
Customer Deposits	EUR mil
Sight Deposits	EUR mil
Term Deposits	EUR mil
Issued Debt Securities	EUR mil
Other Liabilities	EUR mil

				134	126	123	181	233
				20.4	40.3	42.2	54.9	47.9
				3,986	4,132	4,249	4,581	5,464
...				2,042	2,311	2,508	2,833	3,313
...	...	...		1,361	1,521	1,681	1,923	2,169
...	...	...		681	790	827	910	1,144
...				1,815	1,691	1,500	1,491	1,850
				1,515	1,484	1,736	1,860	1,897
				106	91.1	87.2	82.6	83.9
				5,795	6,028	6,285	6,799	7,766
				650	649	660	678	704
				0	0	0	0	0
				5,145	5,379	5,625	6,121	7,062
				906	678	309	516	798
				3,583	4,076	4,250	4,523	5,074
...	...	...	...	...	...	1,748	2,013	2,414
...	...	...	...	...	...	2,451	2,440	2,660
				246	305	750	811	823
				410	320	316	271	367

asset quality

Non-Performing Loans	EUR mil
Gross Loans	EUR mil
Total Provisions	EUR mil

272	186	214	214	208
4,170	4,242	4,362	4,699	5,599
184	110	113	117	135

growth rates

Customer Loan Growth	%
Retail Loan Growth	%
Mortgage Loan Growth	%
Consumer Loan Growth	%
Corporate Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%

...				16.3%	3.68%	2.84%	7.82%	19.3%
...	...			15.4%	13.2%	8.51%	13.0%	16.9%
...	...	...	...	17.5%	11.7%	10.5%	14.4%	12.8%
...	...	...	...	11.4%	16.0%	4.63%	10.1%	25.7%
...	...			12.1%	-6.83%	-11.3%	-0.577%	24.1%
...				0.942%	4.02%	4.26%	8.19%	14.2%
...				-2.18%	-0.077%	1.63%	2.78%	3.79%
...				3.18%	13.8%	4.26%	6.42%	12.2%

market share

Market Share in Customer Loans	%
Market Share in Corporate Loans	%
Market Share in Retail Loans	%
Market Share in Consumer Loans	%
Market Share in Mortgage Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%

			10.9%	11.1%	10.8%	11.0%	12.0%
...			11.7%	11.3%	10.3%	10.4%	11.8%
...	...	...	14.0%	15.5%	15.7%	16.0%	18.5%
...			11.9%	12.3%	12.2%	12.3%	12.8%
...	...	...	11.0%	11.1%	11.0%	11.1%	11.0%
			9.83%	10.1%	10.3%	10.6%	11.2%
			8.93%	9.62%	9.59%	9.82%	10.1%

Download Data

ratios

Unit

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	EUR per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

	6.11%	12.0%	9.64%	9.90%	10.8%
	0.696%	1.32%	1.02%	1.01%	1.02%
	2.47%	2.84%	2.62%	2.56%	2.37%
	64.4%	66.8%	58.9%	61.6%	59.6%
	3.23%	2.96%	3.16%	3.10%	2.86%
...	3.10%	2.82%	3.06%	3.02%	2.80%
	4.26%	4.12%	4.03%	3.82%	3.41%
...	1.16%	1.30%	0.973%	0.803%	0.610%
	84.3%	69.7%	71.2%	74.5%	71.9%
	20.4%	18.5%	18.4%	19.6%	18.9%
	-4.67%	11.7%	10.4%	5.89%	9.23%
	3,122	3,088	3,192	3,198	2,935
	2,246	2,405	2,404	2,481	2,561
	44.4%	41.0%	41.4%	42.1%	44.4%
	11.2%	10.8%	10.5%	9.97%	9.06%
	111%	101%	100.0%	101%	108%
	68.8%	68.6%	67.6%	67.4%	70.4%
	6.51%	4.39%	4.90%	4.55%	3.72%
	67.8%	59.2%	52.8%	54.8%	64.7%
	4.62%	2.67%	2.66%	2.56%	2.46%
	0.397%	0.427%	0.642%	0.387%	0.365%

Download Data

other data

Unit

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

other data

Branches
Employees
ATMs
Payment Cards	'000
Debit Cards	'000
Credit Cards	'000
Sight (As % Of Customer Deposits)	%

				137	140	136	137	135
				2,346	2,381	2,308	2,368	2,493
				254	263	261	262	264
				300	310	326	332	351
				269	36.0	290	296	315
				31.3	34.1	36.0	35.3	35.7
...	...	...	...	...	...	41.1%	44.5%	47.6%

Download Data

Comparison of 15 Banks in Slovakia

October 24, 2018

This Annual Statistical Dossier offers a comparison of 15 Slovak banks from 1994 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

This Annual Statistical Dossier offers a comparison of 15 Slovak banks from 1994 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

CSOB Slovakia in Numbers

September 23, 2018

This Annual statistical dossier offers a summary of CSOB Slovakia's performance between 2007 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital

This Annual statistical dossier offers a summary of CSOB Slovakia's performance between 2007 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track CSOB Slovakia's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

ČSOB Slovakia at a Glance

July 15, 2014

This report offers a summary of the bank's performance in 2007-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Slovakia

ČSOB Slovakia in Numbers

July 9, 2014

This excel file offers a summary of the bank's performance in 2007-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Slovakia

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CSOB Slovakia - Market Share in Bank Deposits

December 12, 2019

CSOB Slovakia's customer deposits reached EUR 6,052 mil in 2017, up 7.72% compared to the previous year.

Slovak banking sector accepted customer deposits of EUR 55.7 bil in 2017, up 5.33% when compared to the last year.

CSOB Slovakia's customer deposits reached EUR 6,052 mil in 2017, up 7.72% compared to the previous year.

Slovak banking sector accepted customer deposits of EUR 55.7 bil in 2017, up 5.33% when compared to the last year.

CSOB Slovakia accounted for 11.1% of all customer deposits taken by banks in Slovakia at the end of 2017. Historically, the bank’s market share in customer deposits reached an all time high of 11.1% in 2017 and an all time low of 5.71% in 2007.

That's compared to a 12.2% market share the bank held in terms of total assets at the end of 2017.

You can see all the company’s data at CSOB Slovakia Profile, or you can download a report on the firm in the report section.

CSOB Slovakia - Market Share in Bank Loans

December 12, 2019

CSOB Slovakia's customer loans reached EUR 6,576 mil in 2017, up 7.87% compared to the previous year.

Slovak banking sector provided customer loans of EUR 54.8 bil in 2017, up 9.56% when compared to the last year.

CSOB Slovakia's customer loans reached EUR 6,576 mil in 2017, up 7.87% compared to the previous year.

Slovak banking sector provided customer loans of EUR 54.8 bil in 2017, up 9.56% when compared to the last year.

CSOB Slovakia accounted for 12.5% of all customer loans issued in Slovakia at the end of 2017. Historically, the bank’s market share in customer loans reached an all time high of 12.7% in 2016 and an all time low of 8.04% in 2007.

That's compared to a 12.2% market share the bank held in terms of total assets at the end of 2017.

You can see all the company’s data at CSOB Slovakia Profile, or you can download a report on the firm in the report section.

CSOB Slovakia - Market Share in Corporate Loans

December 12, 2019

CSOB Slovakia's corporate loans reached EUR 2,118 mil in 2017, up 6.50% compared to the previous year.

Slovak banking sector provided corporate loans of EUR 17.5 bil in 2017, up 6.40% when compared to the last year.

CSOB Slovakia's corporate loans reached EUR 2,118 mil in 2017, up 6.50% compared to the previous year.

Slovak banking sector provided corporate loans of EUR 17.5 bil in 2017, up 6.40% when compared to the last year.

CSOB Slovakia accounted for 12.1% of all corporate loans issued in Slovakia at the end of 2017. Historically, the bank’s market share in corporate loans reached an all time high of 12.9% in 2009 and an all time low of 10.3% in 2013.

That's compared to a 12.2% market share the bank held in terms of total assets at the end of 2017.

You can see all the company’s data at CSOB Slovakia Profile, or you can download a report on the firm in the report section.

CSOB Slovakia - Market Share in Consumer Loans

December 12, 2019

CSOB Slovakia's consumer loans reached EUR 1,212 mil in 2017, up 5.35% compared to the previous year.

Slovak banking sector provided consumer loans of EUR 7.45 bil in 2017, up 8.46% when compared to the last year.

CSOB Slovakia's consumer loans reached EUR 1,212 mil in 2017, up 5.35% compared to the previous year.

Slovak banking sector provided consumer loans of EUR 7.45 bil in 2017, up 8.46% when compared to the last year.

CSOB Slovakia accounted for 12.8% of all consumer loans issued in Slovakia at the end of 2017. Historically, the bank’s market share in consumer loans reached an all time high of 13.1% in 2016 and an all time low of 11.4% in 2010.

That's compared to a 12.2% market share the bank held in terms of total assets at the end of 2017.

You can see all the company’s data at CSOB Slovakia Profile, or you can download a report on the firm in the report section.

See all charts of the company »

CSOB Slovakia's mortgage loans rose 12.0% to EUR 3,004 mil in 2017

CSOB Slovakia's customer deposits rose 7.72% to EUR 6,052 mil in 2017

CSOB Slovakia's customer loans rose 7.87% to EUR 6,576 mil in 2017

CSOB Slovakia's npls (as % of loans) fell 14.0% to 2.81% in 2017

CSOB Slovakia's total revenues fell 3.87% to EUR 289 mil in 2017

CSOB Slovakia's employees rose 0.351% to 2,572 in 2017

CSOB Slovakia's corporate loans rose 6.50% to EUR 2,118 mil in 2017

CSOB Slovakia's payment cards rose 1.05% to 349 '000 in 2017

CSOB Slovakia's consumer loans rose 5.35% to EUR 1,212 mil in 2017